pen and calculator on top of blank check and cash



Life goes in stages and with each your financial needs change. No matter your stage in life, CNB has a personal checking account to suit your financial needs.

Whenever you’re ready, CNB is here for you. Stop by a branch or call us at 1 (865) 429-7521 to learn more about CNB’s Personal Checking Accounts, including current interest rates.

Personal Checking Accounts

Citizens Simply Checking

This non-interest bearing account is straightforward and affordable. Enjoy it with no monthly fee if you enroll for e-Statements*.

Free Features

Unlimited Features

  • Point-of-sale (POS) purchases
  • Check writing

*A $2 fee applies to paper statements.

Rewards Checking

Earn premium of 1.75% APY* on balances up to $25,000 by simply meeting these monthly cycle requirements:

  • 12 or more debit card purchases (POS)
  • 1 or more ACH direct deposit or direct debit
  • Choose e-Statement delivery

Enjoy these rewards with no minimum balance required and no monthly service fee:

Free Features

Unlimited Features

  • Nationwide ATM fee refunds**
  • CNB ATM withdrawals
  • Point-of-sale (POS) purchases
  • Check writing

*1.75% Annual Percentage Yield (APY) earned on balances up to $25,000 when the minimum qualifications are met during each monthly qualification cycle; balances over $25,000 earn 0.46% APY. If qualifications are not met during the cycle, the APY on all balances will be 0.05% APY and normal ATM fees will apply. Maintenance or activity fees could reduce earnings. Rates are effective 04/01/2013 and subject to change weekly. **ATM fee refunds are given on all Nationwide ATMs if qualifications are met during the cycle.

Good Life Checking

Specially designed for the over 50 population, it pays base daily interest on balances of $1,000 and premium daily interest on balances over $5,000.

Take exciting trips, enjoy frequent events and start living the Good Life you deserve. Enjoy the Good Life with no monthly service charge for balances of at least $100.

Free Features

  • 24/7 Expressline banking
  • e-Statements
  • Internet Banking
  • GoMobile
  • Bill Pay
  • Visa debit card
  • Good Life standard checks

Unlimited Features

  • CNB ATM withdrawals
  • Point-of-sale (POS) purchases
  • Check writing

Good Life Bonuses

  • Designer checks discount
  • Safe Deposit Box discount with automatic debit
  • Identity theft coverage
  • Credit card registration
  • Walk-in pharmacy card
  • Eye care and wear discounts
  • $100,000 Accidental Death and Dismemberment Insurance**
  • Events, trips and more

*A $7 service charge applies for balances below $100.

**Provided by well respected company, divided equally on joint accounts, not guaranteed by the FDIC, any Federal government agency or the bank.